Birmingham Bloomfield Bancshares, Inc., Birmingham, Michigan, to become a bank holding company by acquiring 100 percent of the voting shares of Bank of Birmingham (in organization), Birmingham, Michigan.

Lake City Bank, Warsaw, Indiana, to establish a branch facility to be located at Tract 1 and Tract 2 in the Plat of West Jefferson Market Square, Fort Wayne, Indiana.

Newspaper:

04/21/2006

Federal Register:

Not applicable

MONARCH COMMUNITY BANCORP, INC

* 3A1

Monarch Community Bancorp, Inc., Coldwater, Michigan, to become a bank holding company by acquiring 100 percent of the voting shares of Monarch Community Bank, Coldwater, Michigan.

Newspaper:

Not available

Federal Register:

05/12/2006

SOUTHWEST BANK OF ST. LOUIS

* 18C* Branch

Southwest Bank of St. Louis, St. Louis, Missouri, to merge with Missouri State Bank and Trust Company, Clayton, Missouri, and thereby to establish 8 branches.

Newspaper:

Not available

Federal Register:

Not applicable

VALLEY COMMUNITY BANCORP, INC.

CIC

Notice by The Valley Community Bancorp, Inc. Voting Trust and its three trustees, Robert Hoge, St. Charles, Illinois, Kenneth Kaergard, St. Charles, Illinois, and Larry Breon, St. Charles, Illinois, to acquire up to 100 percent of the voting shares of Valley Community Bancorp, Inc., St. Charles, Illinois, and thereby indirectly acquire Valley Community Bank, St. Charles, Illinois.

Newspaper:

Not available

Federal Register:

05/08/2006

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: